Hello friends, my name is Pramod Agarwal.

Today, I am here to talk to you about my book ‘From Shunya se Shikhar Tak – Aapki Arthik Swatantrata ki Yatra’. The purpose of this book is simple – to help every common person, whether a student, woman, homemaker, or working professional, achieve financial independence in their life.

While working for many years in the financial sector, I realized that although income in our country is increasing, the lack of financial literacy is still a very big problem. People work very hard, but due to the absence of proper knowledge and planning, they fail to take the right decisions about saving and investing.

To bridge this gap and to provide proper guidance, I decided to write this book.The inspiration for this came from a professor at the Indian Institute of Management, Ahmedabad (IIM–A). Her guidance made me realize how important it is to make financial knowledge easily accessible to common people in simple language.

‘From Shunya se Shikhar Tak’ is a book that takes you on a complete journey towards financial freedom.
It doesn’t just talk about theory but explains in simple and practical language –

• How you can start with small savings,
• How to invest systematically,
• How to achieve long-term stability and financial independence,
• And how to prioritize life and health security while working towards your financial goals.

This book highlights those aspects of financial life which are not taught in schools or colleges but are extremely important in real life.

This book is especially useful for three groups of people:

1. Gen-Z and Young Professionals – who are starting their careers and want to invest in the right direction.
2. Women and Homemakers – who save money while managing households but want to learn how to convert savings into investments.
3. New Investors and Beginners – who need proper financial guidance.

This book is for anyone who wants to ‘make money work for them.’

Key Highlights of the Book:

1. Saving and Expense Management – Save first from your income, then manage expenses.
2. Starting Investments – Even small amounts can be invested through SIPs.
3. The Magic of Compounding – Over the long term, money multiplies many times and works for you.
4. Role of Women – Homemakers can convert their small savings into structured investments and become the financial strength of their families.
5. Definition of Financial Freedom – It’s not just about having more money, but being able to fulfill your dreams without worry.

The Three Pillars of Financial Freedom:

• Protection (Life & Health Security)
• Savings (Regular Savings)
• Wealth Creation (Investments & Asset Building)

Special Chapters Included:

• Different Investment Options
• Planning for Children’s Education & Marriage
• Buying Your Dream Home
• Retirement Planning
• Tax Understanding & Tax Planning
• Importance of Nomination & Will
• Staying Safe from Online Frauds in the Digital Age

For example, if you save and invest just ₹5000 every month, in 20–25 years this small saving can grow into lakhs or even crores. That is the power of proper planning and discipline.

But always remember – if life and health are not protected, the biggest barrier to your dreams can arise.
That’s why my formula is simple:
Protection + Investment = Financial Freedom.

Friends, financial freedom is not just a dream – it is a journey.
It begins with awareness, the right knowledge, and small consistent steps. Even if you are at zero today, there is no need to be disappointed. With the right mindset and right actions, you too can reach the zenith.

My book ‘Shunya Se Shikhar Tak – Aapki Arthik Swatantrata ki Yatra’ is not just a book, but a true companion for anyone who wants to build a secure and prosperous future.

This book is now available on Amazon and Flipkart in Paperback format.
It is also available on Amazon Kindle as an e-Book for just ₹49/-. Very soon, the English edition of this book will also be available, so that more and more people can benefit from it.

Do read it and take the first step towards your own journey of financial freedom.

Thank you.